Skills and Willingness to Buy Insurance Policies

• Autorzy: Maria Forlicz

Warianty tytułu

Skłonność do zawierania umów ubezpieczeniowych w zależności od umiejętności

• Języki publikacji: EN

Abstrakty

EN

In this article attention is paid to the infl uence of one's skills on the propensity to buy insurance policy and the aim of the work is to check whether in some situations deci sions on concluding insurance policy are connected with individuals' ability to avoid harmful event. A hypothesis is put forward that people skilled higher are less willing to buy insurance policy against material loss (which probability is somehow related to a person's skills) than people with lower skills. To verify the hypothesis an experiment was conducted. It consisted of asking students if they would like to insure themselves against obtaining negative points on the exam and later checking how many points they would get if not insured. Results show there is no signifi cant difference between decisions made by those who gained more and less points.(original abstract)

W niniejszym artykule skupiono się na wpływie, jaki mają umiejętności danej osoby na jej skłonność do zawarcia umowy ubezpieczenia. Celem pracy jest sprawdzenie, czy w pewnych sytuacjach decyzje dotyczące ubezpieczania się są związane z umiejętnością jednostki do unikania niechcianych szkodliwych zdarzeń. Postawiono hipotezę, że osoby wyżej uzdolnione są mniej chętne do ubezpieczania się od strat materialnych (których prawdopodobieństwo zaistnienia jest w pewien sposób powiązane ze wspomnianymi umiejętnościami) niż osoby niżej uzdolnione w tej kwestii. W celu weryfikacji postawionej hipotezy przeprowadzono eksperyment, który polegał na zaproponowaniu studentom możliwości ubezpieczenia się od otrzymania na egzaminie punktów ujemnych, a następnie sprawdzeniu, jak sobie poradzili na owym egzaminie. Rezultaty wskazują, że nie występuje istotna różnica w decyzjach podjętych przez osoby mniej i bardziej uzdolnione w materii, której dotyczył egzamin. (abstrakt oryginalny)

Słowa kluczowe

EN

Insurances; Behavioral economics; Decision making; Uncertainty

PL

Ubezpieczenia; Ekonomia behawioralna; Podejmowanie decyzji; Niepewność

• Czasopismo: Studia i Prace WNEiZ US
• Rocznik: 2018
• Numer: nr 51 T. 3. Problemy współczesnej ekonomii
• Strony: 67--75

Twórcy

autor

Maria Forlicz

• Uniwersytet Ekonomiczny we Wrocławiu

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Identyfikatory

DOI

10.18276/sip.2018.51/3-06